Trampolines are a lot of fun for kids and families, but they also come with injury risks and potential liability. If a guest gets hurt, your homeowners insurance may be involved — and an umbrella policy may offer extra protection.
Few things scream “summer fun” quite like a backyard trampoline.
Kids bouncing. Friends laughing. Parents pretending they can still do a backflip (please don’t).
But before you bring home that giant spring-loaded entertainment center, it’s important to understand the safety risks and potential liability that come with it.
Because while trampolines are fun, they can also send people straight to the emergency room.
Trampoline Injuries Are More Common Than You Think
According to the U.S. Consumer Product Safety Commission, more than 100,000 trampoline-related injuries are treated in emergency rooms each year.
Common injuries include:
- Sprains and fractures
- Head and neck injuries
- Concussions
- Cuts and bruises
And unfortunately, many injuries happen when multiple people are bouncing at the same time.
When Fun Turns Into Liability
Here’s something many homeowners don’t realize.
If a guest — especially a child — is injured on your trampoline, you could potentially be held liable.
Even if:
- The child ignored the rules
- The injury happened accidentally
- You told them not to do flips
In some situations, homeowners may still face claims of negligence, particularly if the injury occurred without supervision.
This is why trampolines are sometimes referred to in the insurance world as an “attractive nuisance.”
In simple terms, it’s something on your property that naturally attracts children but can be dangerous.
Smart Safety Rules for Backyard Jumpers
If you already have a trampoline (or plan to get one), safety rules can help reduce the risk of injury.
The Consumer Product Safety Commission recommends:
- Allow only one jumper at a time
- No flips or somersaults
- Install shock-absorbing pads over springs
- Use a protective safety enclosure
- Keep the trampoline away from trees or fences
- Supervise children at all times
- Avoid use by children under six years old
Think of it this way: trampolines are great for bouncing — not for Olympic gymnastics trials.
How Insurance Comes Into Play
Many homeowners policies may provide liability protection if someone is injured on your property.
However, serious injuries can lead to expensive medical bills and legal claims that may exceed standard homeowners policy limits.
That’s why many homeowners consider adding an umbrella insurance policy.
Umbrella insurance provides an additional layer of liability protection once the limits of your home or auto policy are exhausted.
In other words, it’s extra financial protection for those “just in case” situations.
A Quick Reminder From Neighborhood Insurance Agency
At Neighborhood Insurance Agency in Santa Ana, California, we believe fun and protection should go hand in hand.
Since 1989, our team has helped families review their coverage and understand potential risks around the home — from trampolines to swimming pools and beyond.
We help individuals and families find the right protection for:
Because protecting what matters most is the key to your peace of mind.
👉 Get a quote or talk to us today.
Santa Ana, CA 92705
Reference
American Academy of Pediatrics. (2023). Look before you leap: Trends in Trampoline Park Injury Retrieved from https://publications.aap.org/journal-blogs/blog/27465/Look-Before-You-Leap-Trends-in-Trampoline-Park
Stanford Medicine Children’s Health. (2026). Trampoline safety. Retrieved from https://www.stanfordchildrens.org/en/topic/default?id=trampoline-safety-1-148
